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Hello,
I plan on making a large $25k purchase soon. Is it realistic to get a combined $30k limit between 2-3 0% Intro Purchase APR (15+ months) cards? If so, which 15+ month 0% Intro Purchase APR should I apply for?
I recently was approved for a Happy Money loan for credit consolidation.
Current stats:
Fico Ex: 758
Fico Eq: 757
Fico TU: 765
$110k stated income
0% utilization
$22,000 limit of all cards
AoOA 7.5 years
AAoA 4.5 years
0 accounts opened with past 24 months (besides happy money)
7 credit cards
Highest limit is $8.5k
@woppler wrote:Hello,
I plan on making a large $25k purchase soon. Is it realistic to get a combined $30k limit between 2-3 0% Intro Purchase APR (15+ months) cards? If so, which 15+ month 0% Intro Purchase APR should I apply for?
I recently was approved for a Happy Money loan for credit consolidation.
Current stats:Fico Ex: 758
Fico Eq: 757
Fico TU: 765
$110k stated income
0% utilization
$22,000 limit of all cards
AoOA 7.5 years
AAoA 4.5 years
0 accounts opened with past 24 months (besides happy money)
7 credit cards
Highest limit is $8.5k
Welcome to my Fico.
Your profile looks strong @woppler.
WF Reflect and Citi Simplicity are at 21 months. BoA BankAmericard is 18 months.
Citi is most sensitive to new accounts so this ought to be first.
Can certainly get some approvals with 15%+ months whether they would be 30k worth is a stretch. Usually the longer the Purchase APR% the lower the limits tend to be in my opinion. 30k is quite a bit of new credit on longer 0% APR cards especially considering your higest limit currently is 8.5k. Citi IMHO would offer likely the lowest limit out of the gate. Maybe some CU's offer longer 0% cards I am not sure asnd maybe others can answer but previous poster gave some named big banks and a few options.